Houston Bankruptcy Attorney
Call for a Free Consultation 713.481.0022
Determine If You're Eligible For Chapter 7 Eliminate Most of Your Debt & Retain Your Assets

Chapter 7 Bankruptcy Lawyer in Houston, TX

Bankruptcy is an intimidating prospect. However, if loans, bills, and other forms of debt have you completely overwhelmed with no chance of recovery, bankruptcy may be a viable option. With the help of a skilled Houston Ch. 7 bankruptcy lawyer, you can navigate the bankruptcy process and start working on overcoming your circumstances! At Phillip H. Trueba, Attorney at Law, you receive personal attention from a passionate lawyer and caring staff. We have a thorough understanding of the means test, bankruptcy exemptions, and related matters. Our prices are upfront and honest - you won't be surprised by hidden fees.

Addressing your debt is possible. Call (713) 481-0022 for a free consultation.

Understanding Chapter 7

In order to qualify for Chapter 7, you may need to first pass a means test. If your income is below the state median for your household, you may be immediately eligible to file Chapter 7. If your income is above the median level, Phillip Trueba can help you determine your eligibility and maximize your ability to qualify by capturing all manners of expenses that may be used to rebut the presumption of ineligibility.

Chapter 7 bankruptcy essentially allows debtors to take advantage of a "fresh start" in that there is no debt repayment plan whatsoever, if you qualify. Chapter 7 cases often span only several months and provide the opportunity to discharge personal debts at the conclusion of the case.

In Chapter 7 bankruptcy, certain debts cannot be discharged such as:

  • Fraudulent debts
  • Student loans
  • Certain taxes
  • Alimony
  • Child Support

The law office will help you determine which debts can or cannot be discharged in your bankruptcy case. The majority of Chapter 7 cases involve a debtor with large credit card or other types of unsecured debts and few assets. In most case, Chapter 7 bankruptcy can allow a person to eliminate or “discharge” a majority of their debt, while using state or federal exemptions in order to retain your assets.

Free Consultation with Trusted Houston Bankruptcy Attorney

Unfortunately, dealing with creditors is unavoidable, so you want to make sure you are doing it on your own terms, and bankruptcy can be an invaluable tool in doing so. With 20+ years of experience, Phillip H. Trueba can help you pursue Chapter 7 bankruptcy and work on obtaining a fresh start. Your creditors have attorneys to pursue their interests, and you should as well. We hold an A+ rating from the Better Business Bureau because of experience, proven ability, and success. Be proactive and take control of your finances by calling for your free consultation today!

Call (713) 481-0022 for more information. We are here to help.

A Bankruptcy Law Firm Known for Excellence

  • 20+ Years of Helping Clients Reach a Fresh Start

  • Individualized, One-on-One Service for Each Client

  • Always Accessible & Weekend Appointments Offered

  • A+ Rating from the Better Business Bureau

What Our Clients Are Saying

Past Clients Share Their Experience
  • “AMAZING! So happy I used yelp to find his services and 'started over' financially with him and his guidance.”

    Susana A.
  • “He will deliver a positive results.”

    Jerry P.
  • “Phillip is a wonderful bankruptcy attorney.”

    Roxanne G.
  • “Phillip was extremely kind and attentive to both my situation and my apprehension. He was very supportive and offered excellent advice throughout the process.”

    Dale
  • “Mr. Phillip Trueba is a wonderful attorney. Definitely made feel at ease with this entire process.”

    Lisa C.
  • “Mr. Trueba helped me get my life back and my dignity!”

    Mariah J.
  • “I highly recommend Phillip to represent you in your Bankruptcy case.”

    Ty G.
  • “Phillip Trueba knows his law but is humble in his faith.”

    Dean D.
  • “Thanks again Phillip for a job well done!!”

    Martin S.
  • ““Attorney Trueba took care of everything for my husband and I", the moment we contacted him and made a decision to move forward with our filing; ...”

    Roger & Mary H Baytown, TX
  • “He made the process so easy. He explained everything to where normal people could understand the legal terms. ”

    Tom M.
  • “The best lawyer yet.”

    Catina
  • “I would highly recommend Phillip Trueba's services!”

    Nikki G.
  • “Customer service, moral support, and accuracy; is his stamp of greatness. I feel that he strives to provide excellent service for me and all of his clients, all the time.”

    Zeenethia H.
  • “I can’t say enough wonderful things about my experience with Phillip.”

    Marla E.

Contact Us To Get Started

Free Bankruptcy Evaluation to Review Your Options
    • Please enter your first name.
    • Please enter your last name.
    • Please enter your email address.
      This isn't a valid email address.
    • This isn't a valid phone number.
    • Please make a selection.
    • Please enter a message.